Did you plug in the new tweaks from the other day where I have the USER fumbles at 40 now? I lowered the USER breaktackles to 35 to compensate. Fumbles should have toned down a lot with those tweaks..
Slow down. You can't take the USER total over 75 for any of the categories. If you go with that setup you'll have way too many points for USER pass defense and you will kill the gameplay and make the AI weak. The gameplay won't be All-Madden anymore. Just lower the USER pass reaction to 45 and raise the USER INTs to 30. Those tweaks should get you more picks..